US11544693B2 - Complex payment system using a portable terminal, and complex payment method - Google Patents
Complex payment system using a portable terminal, and complex payment method Download PDFInfo
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- US11544693B2 US11544693B2 US14/233,873 US201214233873A US11544693B2 US 11544693 B2 US11544693 B2 US 11544693B2 US 201214233873 A US201214233873 A US 201214233873A US 11544693 B2 US11544693 B2 US 11544693B2
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- portable terminal
- vendor server
- coupon
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Definitions
- the present invention relates, in general, to a payment system and method capable of making payment using a portable terminal and, more particularly, to a complex payment system and method using a portable terminal, which are capable of making payment using bonus information, such as card information, discount information, membership point information, and/or coupon information based on optimum payment conditions in which a minimum payment amount can be obtained.
- bonus information such as card information, discount information, membership point information, and/or coupon information based on optimum payment conditions in which a minimum payment amount can be obtained.
- Conventional card payment uses a method of obtaining the card number of a purchaser through a connection to the POS of an affiliated shop or via a separate card (a variety of card payment means, such as a credit card, a prepaid card, a debit card, etc.) terminal and then requesting approval from a card company server through a VAN provider by transmitting the card number, together with affiliated shop information and a payment amount.
- a separate card a variety of card payment means, such as a credit card, a prepaid card, a debit card, etc.
- FIG. 1 A conventional card payment system is illustrated in FIG. 1 .
- the card reader of the affiliated shop accesses a card issuer server over the network of a VAN provider, obtains approval of card payment, and then completes a transaction.
- a card user 10 possesses a card issued by a card company, and an affiliated shop is provided with a common card terminal 20 that accesses a specific VAN provider and transmits payment information.
- the card terminal 20 and the relay system 30 of the VAN provider are generally connected over a predetermined network (e.g., the telephony Internet), and the relay system 30 of the VAN provider and the transaction approval system 40 of a corresponding card company are generally connected over a dedicated network.
- a payment gateway (PG) 30 performs the role of the VAN provider.
- the VAN provider functions to relay purchase information whose approval (or cancellation) has been requested via the card terminal between the affiliated shop and the corresponding card company, and the PG 30 functions to request a payment amount from a payment and settlement company, such as a card company, a bank, or an electronic payment company, under the entrustment of an Internet commerce company, to receive the amount, and to pay the amount to the entrusting company.
- a payment and settlement company such as a card company, a bank, or an electronic payment company
- the affiliated shop uses a credit card terminal in order to request approval from a card company.
- the card terminal transmits card user information stored in the card of the user, commodity order information generated by the card terminal, a payment amount and affiliated shop information to the VAN provider.
- the VAN provider receives the information through the relay system 30 of the VAN provider.
- the relay system 30 of the VAN provider that has received payment approval request data reads card company information recorded in the user information of the payment approval request data and then transmits transaction approval request-related data to the transaction approval system 40 of the corresponding card company in order to request approval.
- the transaction approval system 40 of the card company that has received the transaction approval request-related data checks if the transaction made between the card user and the affiliated shop is valid by comparing the user information, the commodity order information, the payment amount, the affiliated shop information included in the transaction approval request-related data with its membership data or affiliated shop data.
- the transaction approval system 40 of the card company transmits the results of the approval of the transaction for the transaction approval request to the relay system 30 of the VAN provider that has relayed the payment approval request, and the relay system 30 of the VAN provider stores approval number data and transmits the approval number data to the corresponding card reader of the corresponding affiliated shop.
- the card terminal Based on the transmitted approval data, the card terminal prints the results of payment on a card receipt and reports the results to the card user.
- this conventional method is problematic in that a card user suffers from the inconvenience of having to possess a card to be used, a customer's financial information including a unique payment card number may be exposed to an affiliated shop, a financial accident using a customer's card information may occur, the risk of the illegal reproduction of payment card information by a third party is increasing, and the possibility of the divulgence of personal information may not be avoided.
- an object of the present invention is to provide a complex payment system and method using a portable terminal, which are capable of, upon making payment, receiving payment information registered in a vendor server or information recorded in a dongle and making payment without possessing a card.
- Another object of the present invention is to provide a complex payment system and method using a portable terminal, which are capable of, upon making payment, presenting optimum payment conditions.
- a further object of the present invention is to provide a complex payment system and method using a portable terminal, which are capable of allowing information, such as coupon information, registered by a customer to be stored and utilized upon making payment.
- Yet another object of the present invention is to provide a complex payment system and method using a portable terminal, which are capable of allowing information, such as the discount benefits and membership card information of an affiliated shop, to be stored and utilized upon making payment.
- a complex payment system using a portable terminal using an affiliated shop terminal configured to generate payment information, a portable terminal configured to execute an e-wallet program and to transmit the payment information, and a vendor server configured to store one or more pieces of information selected from among information about a card to be used for payment and coupon information in connection with a terminal identification number of the portable terminal and discount information and/or membership point information in connection with an affiliated shop code as bonus information, wherein the portable terminal transmits the payment information to the vendor server, and the vendor server analyzes payment conditions using one or more pieces of information selected from the bonus information so that a minimum payment amount can be obtained, and transmits the analyzed payment conditions to the portable terminal, thereby allowing payment to be made.
- the affiliated shop terminal may select an electronic wallet as a payment means, may request approval of the payment information from the vendor server, may receive approved payment information, and may then output the approved payment information so that the portable terminal can read the approved payment information.
- the vendor server may generate a transaction ID (TID) for the payment information requested by the affiliated shop terminal, may convert the payment information including the TID into a QR code, and may transmit the QR code.
- TID transaction ID
- the affiliated shop terminal may generate data in order to output the QR code received from the vendor server onto one or more of a bill, a monitor of the affiliated shop terminal and a screen of a sign pad or to store the TID and the payment information in a wireless tag.
- a complex payment system using a portable terminal including a portable terminal configured to execute an e-wallet program, and to transmit payment information; an affiliated shop terminal configured to, upon requesting payment, output information about transaction data so that the portable terminal can read the information about transaction data; and a vendor server configured to receive information about a card or a coupon issued to the portable terminal and store the information about a card or a coupon in connection with a unique identification number of the corresponding portable terminal, and to receive discount information or membership point information from the affiliated shop terminal and store the received discount information or membership point information in connection with a corresponding affiliated shop code; wherein the vendor server is operative to, when the portable terminal requests payment, analyze payment conditions using one or more pieces of information selected from among card information, discount information, membership point information and coupon information so that a minimum payment amount can be obtained, and transmit the analyzed payment conditions to the portable terminal.
- a complex payment method using a portable terminal the method using a portable terminal configured to execute an e-wallet program and transmit payment information, a vendor server configured to store one or more pieces of information selected from among information about a card to be used for payment and coupon information in connection with a terminal identification number of the portable terminal and discount information and/or membership point information in connection with an affiliated shop code as bonus information, and an affiliated shop terminal configured to, upon requesting payment, output information about transaction data so that the portable terminal can read the information about transaction data, the method including (a) transmitting, by the portable terminal, payment information to the vendor server; (b) generating, by the vendor server, payment conditions using one or more pieces of information selected from the bonus information based on a transmitted payment amount so that a minimum payment amount can be obtained; and (c) making, by the vendor server, payment based on the generated payment conditions.
- Payment conditions may be generated using one or more pieces of information selected from among card information, discount information, membership point information and coupon information of the bonus information so that the minimum payment amount can be obtained.
- a complex payment system using a portable terminal including an affiliated shop terminal of an affiliated shop configured to generate payment information including a payment amount; a portable terminal configured to read the payment information from the affiliated shop terminal of the affiliated shop and then transmit the read payment information, and to store information about an issued card or coupon; and a vendor server configured to receive discount information and/or membership point information from the affiliated shop terminal of the affiliated shop, to store the discount information and/or the membership point information in connection with a corresponding affiliated shop code, and to make payment in conjunction with a card company; wherein when the portable terminal reads the payment information from the affiliated shop terminal and then requests payment, the vendor server transmits discount information and/or membership point information of a corresponding affiliated shop, and the portable terminal analyzes payment conditions using one or more pieces of information selected from among discount information, membership point information, card information, and/or coupon information received from the vendor server so that a minimum payment amount can be obtained, and displays the analyzed payment conditions, the payment conditions being configured to be transmitted to the vendor
- a composite payment method using a portable terminal the method using an affiliated shop terminal of an affiliated shop configured to generate payment information including a payment amount, a portable terminal configured to execute an e-wallet program, to read payment information from the affiliated shop terminal, to transmit the payment information, and to store information about an issued card and/or coupon, and to receive discount information and/or membership point information from the affiliated shop terminal of the affiliated shop, to store the discount information and/or the membership point information in connection with a corresponding affiliated shop code, and to make payment in conjunction with a card company, the method including (a) requesting, by the portable terminal, payment from the vendor server; (b) transmitting, by the vendor server, discount information and/or membership point information of a corresponding affiliated shop; (c) generating, by the portable terminal, payment conditions using one or more pieces of information selected from among the discount information and the membership point information received from the vendor server and the stored card and/or coupon information so that a minimum payment amount can be obtained; and (d)
- the complex payment system and method using a portable terminal according to the present invention has the advantage of making payments without the leakage of personal financial information because upon making payment, the information of the vendor server or the dongle is received and then payment information is processed.
- the complex payment system and method using a portable terminal according to the present invention has the advantage of allowing a customer to make an appropriate selection in accordance with a situation and then make payment because upon making payment, the customer can be presented with optimum payment conditions in which discount benefits, such as discount information and/or membership information, have been considered.
- the complex payment system and method using a portable terminal according to the present invention has the advantage of making payment most economical because coupon information and/or membership information are registered and then used and, thus, various discount benefits can be automatically received.
- FIG. 1 is a diagram illustrating a conventional affiliated shop-centric card payment method that is performed via an affiliated shop terminal and a VAN provider;
- FIG. 2 is a diagram of principal components of a complex payment system using a portable terminal according to an embodiment of the present invention
- FIG. 3 is a flowchart illustrating the process of being issued an affiliated shop card according to the present invention
- FIG. 4 is a flowchart illustrating the process of being issued a membership card according to the present invention.
- FIG. 5 is a flowchart illustrating the process of registering an affiliated shop according to the present invention.
- FIG. 6 is a flowchart illustrating the process of registering an affiliated shop benefit and advertisement according to the present invention
- FIG. 7 is a flowchart illustrating the process of registering coupon information according to the present invention.
- FIG. 8 is a flowchart illustrating the process of processing payment according to the present invention.
- FIG. 9 is a diagram illustrating an example of an initial screen that is displayed when an electronic wallet according to the present invention is run.
- FIG. 10 is a diagram illustrating a card issuance screen according to the present invention in detail.
- FIG. 11 is a diagram illustrating a search screen according to the present invention in detail.
- FIG. 12 is a diagram illustrating a membership screen according to the present invention in detail.
- unit when an element “includes” another element, it means that the element excludes other elements but may further include other elements as long as the opposite description is not particularly made.
- unit refers to a unit component configured to process at least one function or operation.
- a unit, a -or(er), a module, or a device may be implemented using hardware or a combination of hardware and software.
- TID transaction identification
- a TID generally has 40 digits, and is used upon tracking error, making a search, or canceling a transaction.
- the term “affiliated shop code” refers to a code that is assigned to each affiliated shop registered in the vendor server of Harex and includes English letters, numbers or a combination thereof.
- the vendor server identifies the affiliated shop using this affiliated shop code, and generates a TID when a corresponding transaction occurs and stores and manages requested transaction data in connection with the corresponding affiliated shop code.
- terminal identification number refers to the identification number of a portable terminal, such as a smart phone.
- a unique identification number identified for each portable terminal and a personal ID used for the authentication of each portable terminal are all used as the terminal identification number.
- bonus information refers to additional information that is used upon making payment, that is, one or more pieces of information selected from among coupon information in connection with a terminal identification number and discount information and/or membership point information in connection with an affiliated shop code.
- FIG. 2 is a diagram of principal components of a complex payment system using a portable terminal according to an embodiment of the present invention.
- the complex payment system using a portable terminal may be configured to include an affiliated shop terminal 120 configured to generate and provide payment information; a portable terminal 110 configured to execute an e-wallet program, to receive payment information and to request approval of payment; and a vendor server 130 configured to store information about a card to be used for payment and coupon information for the terminal identification number of the portable terminal 110 , to store one or more pieces of information, such as discount information and membership point information, as bonus information in accordance with an affiliated shop code, and to request approval from a corresponding card company server 150 over the Internet 160 in response to the request for payment from the portable terminal 110 .
- an affiliated shop terminal 120 configured to generate and provide payment information
- a portable terminal 110 configured to execute an e-wallet program, to receive payment information and to request approval of payment
- a vendor server 130 configured to store information about a card to be used for payment and coupon information for the terminal identification number of the portable
- the complex payment system using a portable terminal operates to execute an e-wallet program (hereinafter referred to as the “mobile wallet app”) installed in the corresponding terminal, to request optimum payment conditions by transmitting payment information read from a QR code or a wireless tag (an RF tag, an NFC tag, or the like), which is provided by the affiliated shop terminal 120 , to the vendor server 130 , to receive and display optimum payment conditions including a minimum payment amount received from the vendor server 130 , and to request final payment from the vendor server 130 by transmitting the determined optimum payment conditions to the vendor server 130 , thereby allowing payment to be made.
- an e-wallet program hereinafter referred to as the “mobile wallet app”
- a smart electronic wall used in the portable terminal 110 is obtained by downloading and installing a “mobile wallet app” program.
- the customer visits an app store or an app marketplace to install a “smart wallet app” program on the portable terminal 110 , downloads and installs the “smart wallet app” program, and executes a “mobile wallet app,” so that an e-wallet program is run.
- FIG. 9 illustrating an initial screen that is displayed when the electronic wallet of the present invention is run as an example
- a “payment” box which can be selected upon making payment
- a “card issuance” box which can be selected upon requesting the issuance of a new card
- a “search” box through which information about a possessed card, a possessed coupon or the like can be searched for
- a “coupon collection” box through which information about coupons or the like can be collected are displayed on the initial screen.
- an RF (NFC) reader or a QR code reader may be activated and read information recorded in an RF (NFC) tag or a QR code in which payment information has been recorded, and the read information may be displayed on a screen and then used for payment.
- the electronic wallet is mostly used for payment. Therefore, it is preferred that information be automatically read from an RF (NFC) tag or a QR code when the “mobile wallet app” is executed on the portable terminal 110 (or when the wallet app is automatically executed by touching an NFC dongle).
- the types of cards that the customer can be issued are listed in a form in which a “credit card” box, “membership card” box, “debit card” box, and a “gift card” box are displayed, so that the customer can be issued a necessary card, as illustrated in the drawing of FIG. 10 illustrating the card issuance screen of the present invention in greater detail.
- cards to be issued are displayed using boxes for the types of cards (a credit card, a debit card, a gift card, a membership card, a coupon, etc.), as illustrated in the drawing of FIG. 11 illustrating the search screen of the present invention in greater detail.
- the types of membership card that the customer has been issued are listed in a form in which a “KB-Outback card”, “a Shinhan-Starbucks card” and a “Hana-Enclean card” are displayed, as illustrated in the drawing of FIG. 12 illustrating the membership screen of the present invention in greater detail.
- information displayed in the “search” box may be stored and displayed in and on the portable terminal 110 itself, it is preferred that when the “mobile wallet app” is executed, the portable terminal 110 access the vendor server 130 of Harex, receive information about a possessed card, a possessed coupon or the like, and display it.
- images of downloaded App cards be displayed on credit card, debit card, gift card, membership card and coupon boxes displayed in the “search” box, so that the customer can easily and frequently check the details of a possessed card, a possessed coupon or the like. Additionally, it is preferred that when the customer clicks on a corresponding image, the details of payment, available affiliated shops, and affiliated shop benefits/advertisements can be searched for.
- the function of searching for the details of payment, bonus points, a bill, and affiliated shops related to the KB-Outback card may be performed.
- the portable terminal 110 is configured to display optimum payment conditions including a minimum payment amount analyzed and transmitted by the vendor server 130 , and to request payment based on the displayed optimum payment conditions or to change one or more payment conditions of discount information, membership point information and coupon information and then request payment.
- the reason for this is to allow the customer to appropriately modify payment conditions in accordance with a situation even when the vendor server 130 performs analysis and transmission so that a payment amount obtained by analyzing coupon information, discount information, or membership point information stored for each terminal identification number or affiliated shop code becomes a minimum payment amount.
- the portable terminal 110 may receive card information to be used for payment from the vendor server 130 and display the card information, it may be possible to execute the “mobile wallet app,” to display possessed information of available services received from a dongle, particularly cards and services to be used for payment, and to allow the customer to select a card and a service and use them to make payment.
- the dongle is a device that guarantees that only an authorized user can copy or use a specific software application, and refers to a relay device that enables a specific function to be used by connecting two devices having different functions.
- the affiliated shop terminal 120 is a terminal through which an affiliated shop registered with the vendor server 130 performs payment while exchanging payment-related information, like a common affiliated shop POS.
- the affiliated shop terminal 120 is configured to, when the customer having the portable terminal 110 requests payment, select an electronic wallet as a payment means, request approval of transaction data from the vendor server 130 , receive the approval transaction data, and generate payment information including a payment amount.
- the affiliated shop terminal 120 may have its own server, may store information required for payment and may read and use the stored information, the affiliated shop terminal 120 is described as storing and managing all information without a separate server for ease of description in an embodiment of the present invention.
- the affiliated shop terminal 120 outputs a TID received from the vendor server 130 and payment information including a QR code including the TID to a bill, the monitor of the affiliated shop terminal or the screen of a sign pad, and generates data so that the data can be stored in a wireless tag.
- the portable terminal 110 transmits a QR code provided by the affiliated shop terminal 120 and payment information read from the wireless tag to the vendor server 130 , and the vendor server 130 analyzes payment conditions so that a minimum payment amount is obtained based on transmitted payment information to the portable terminal 110 , the portable terminal 110 returns checked payment conditions to the vendor server 130 , so that payment can be made.
- the vendor server 130 operates to classify and store card information or coupon information that the portable terminal 110 has been issued in connection with the terminal identification number of the corresponding portable terminal 110 , and to classify and store registered discount information or membership point information received from the affiliated shop terminal 120 of the affiliated shop in connection with the code of the corresponding affiliated shop.
- This information is classified as bonus information, and is used to analyze optimum payment conditions when the portable terminal requests payment.
- the vendor server 130 when the vendor server 130 receives a request for approval of transaction data from the affiliated shop terminal 120 , the vendor server 130 generates a TID for the corresponding transaction data with respect to the affiliated shop code of the corresponding affiliated shop terminal 120 , stores the TID-based transaction data, converts the TID and the transaction data into a QR code, and transmits the QR code to the affiliated shop terminal 120 .
- the TID and the transaction data have been described as being converted into a QR code for ease of description, it will be apparent that the present invention is not limited thereto and barcode or another type of payment-dedicated code may be employed.
- the vendor server 130 may generate the QR code and transmit it to the affiliated shop terminal 120
- the affiliated shop terminal 120 may converts the TID and the transaction data into the QR code by itself when receiving the TID from the vendor server 130 .
- the vendor server 130 is configured to be connected at the same time the portable terminal 110 touches an NFC phone or reads the QR code, to obtain the terminal identification number, the TID and the affiliated shop code, to compare the transaction data stored in connection with the TID, to read the card information and the coupon information stored in connection with the terminal identification number, to analyze the payment conditions using the discount information or membership point information registered in connection with the affiliated shop code so that a minimum payment amount can be obtained, and to transmit resulting payment conditions to the portable terminal 110 .
- the vendor server 130 operates to read the information used for payment from the discount information, membership point information or coupon information payment based on the payment conditions requested by the portable terminal 110 , to modify stored related data, and to store the modified data so that the modified data can be used later.
- FIG. 3 is a flowchart illustrating the process of being issued an affiliated shop card according to the present invention. As illustrated in FIG. 3 , in the present invention, the process of being issued an affiliated shop card using a portable terminal starts with card issuance request step S 201 of executing the “mobile wallet app” on the portable terminal 110 .
- the electronic wallet initial screen of FIG. 9 is displayed by executing the “mobile wallet app,” the “card issuance” box is selected, and the “credit card,” which is a card to be issued, is selected on the card issuance screen of FIG. 10 .
- An embodiment of the present invention corresponds to a case where the customer eats at an Outback Steak House shop and becomes aware of the fact that a 10% discount is given when payment is made using a “KB Outback app card.”
- the following description will be given using a case where a customer ledger is present in a KB card company as an example.
- the customer enters authentication data required for the issuance of a card, such as the card number, valid period, CVC, and password of the possessed plastic KB card at step S 202 , and requests authentication by transmitting the data to the card company server 150 of KB Kookmin Bank at step S 203 .
- the card company server 150 from which authentication has been requested by the portable terminal 110 performs an authentication procedure and transmits the results of the approval to the portable terminal 110 at steps S 204 to S 205 .
- the portable terminal 110 that has received the results of the approval from the card company server 150 selects a “KB Outback app card” at step S 206 , and requests the issuance of a card from the card company server 150 at step S 207 .
- the card company server 150 When the card company server 150 performs the task of the issuance of a card at step S 208 and transmits a program for the installation of the issued “KB Outback app card” to the portable terminal 110 at step S 209 , the portable terminal 110 downloads and installs the corresponding program, and the installed card operates to be stored in the “credit card” box of the “search” box as a “KB Outback app card” and to be used upon making a search.
- the portable terminal 110 is configured to store the issued “KB Outback app card” and, simultaneously, transmit corresponding information to the vendor server 130 , so that the vendor server 130 can convert the issued card into a code and store the issued card in code form in connection with the corresponding terminal identification number.
- the desired affiliated shop card is issued and then stored in the “credit card” box, that is, a corresponding storage space, so that corresponding data may be read and used upon making payment or may be used upon making a search.
- FIG. 4 is a flowchart illustrating the process of being issued a membership card according to the present invention. As illustrated in FIG. 4 , in the present invention, the process of being issued a membership card using a portable terminal starts with card issuance request step S 220 of executing the “mobile wallet app” on the portable terminal 110 .
- the “card issuance” box which corresponds to a card issuance screen, is selected on the electronic wallet initial screen of FIG. 9 at step S 221 , a “membership card,” which is a card to be issued, is selected on the display card issuance screen of FIG. 10 and the “Outback Steak card” is selected at steps S 223 to S 224 .
- the portable terminal 110 is adapted to receive and display information about the types of membership cards registered in the vendor server 130 and information about a screen in which information required for the issuance of a card can be entered.
- the information required for the issuance of a card is transmitted from the affiliated shop terminal to the vendor server and registered in the vendor server. This registration process will be described in detail below.
- the portable terminal 110 displays an information entry screen required for the issuance of the corresponding card, and the customer enters corresponding information at step S 225 , and requests the issuance of the membership card from the vendor server 130 at step S 226 .
- the vendor server 130 from which the issuance of a membership card has been requested at step S 226 performs an issuance task and then transmits a program for the installation of the “Outback Steak membership app card” to the portable terminal 110 at steps S 227 -S 228 .
- the vendor server 130 converts the issued “Outback Steak membership card” into a code and stores the code in its own storage in connection with the corresponding terminal identification number at step S 229 .
- the portable terminal 110 downloads and installs the program for the installation of the “Outback Steak membership app card” and stores the installed card as the “Outback Steak membership card” in the “membership card” screen of the “search” box, so that the stored information can be used upon making a search at steps S 230 to S 231 .
- the issuance of the membership card may be directly performed by the vendor server 130 , as described above, it may be mediated by the vendor server 1302 in the case where the membership card is directly issued by an Outback server (a corresponding membership server). In this case, an issuance procedure is performed in a manner similar to that of the credit card issuance procedure.
- FIG. 5 is a flowchart illustrating the process of registering an affiliated shop according to the present invention.
- the proprietor of an affiliated shop performs registration using the affiliated shop terminal according to the present invention
- the vendor server 130 displays an affiliated shop registration screen and performs the task of registration using the data used for the request for registration at step S 242 .
- an affiliated shop code is assigned in connection with the corresponding affiliated shop terminal.
- the affiliated shop code registered at step S 242 is reported to the affiliated shop terminal 120 at step S 243 .
- the proprietor of the affiliated shop accesses the website of Harex, which is operating the vendor server 130 , using the assigned affiliated shop code, subscribes to membership, and registers an ID and a password, thereby completing the process of registering an affiliated shop at steps S 245 to S 246 .
- FIG. 6 is a flowchart illustrating the process of registering an affiliated shop benefit and advertisement according to the present invention. As illustrated in FIG. 6 , in the present invention, the process of registering an affiliated shop benefit and advertisement starts with steps S 250 and S 251 of logging in to the website of the vendor server 130 registered in the process of registering an affiliated shop using the ID and the password.
- the affiliated shop code is transmitted together.
- the vendor server 130 from which the affiliated shop terminal 120 has requested the registration registers the benefit details and the advertisement details in connection with the corresponding affiliated shop code at step S 255 , and transmits the registered benefit details and the advertisement details to the portable terminal 110 at step S 256 , so that the customer who possesses the portable terminal 110 may become aware of the benefit details and the advertisement details and use the details to use the card or make payment.
- FIG. 7 is a flowchart illustrating the process of registering coupon information according to the present invention. As illustrated in FIG. 7 , in order to collect coupons, the “mobile wallet app” of the portable terminal 110 is executed, the “coupon collection” box is selected on the electronic wallet initial screen, and displayed coupon information is read at steps S 260 to S 262 .
- Such coupon information may correspond to a QR code or an NFC (near field communication) tag.
- the portable terminal When the “coupon collection” box of the portable terminal is activated, the portable terminal operates to activate an internal device so that the internal device can read a QR code or read information from an NFC tag, thereby collecting coupon information.
- Company employee A who possesses an NFC smart phone as a portable terminal is a customer who has downloaded and is using a smart wallet app and has the experience of going to eat out at an Outback Steak House shop.
- Company employee A receives a message stating that “Outback Steak House starts to issue 1,000 won discount coupons at 10 A.M. on Jun. 1, 2011.”
- Such a message is transmitted to the portable terminal 110 by the vendor server 130 when the affiliated shop benefit or advertisement has been registered using the affiliated shop terminal, as described above.
- Company employee A calls his wife on his way home to ask her to eat out, promises to meet her at an Outback Steak House Sanbon shop, finds a coupon (an NFC tag) while viewing an Outback Steak advertisement in the subway on his way home, and runs the smart wallet app to collect the coupon at step S 260 (in the case of an NFC tag, information is made to be collected by bringing his mobile phone into contact with the tag.
- a coupon an NFC tag
- the “coupon collection” box of the smart electronic wallet is selected, and coupon information is read by touching the NFC tag with the portable terminal 110 and then stored in a coupon folder, so that the coupon information can be searched for later at steps S 261 to S 263 .
- the read coupon information is transmitted to the vendor server 130 , so that the coupon information is stored and managed in connection with the terminal identification number, and a corresponding image is downloaded and stored in the coupon area of the smart electronic wallet of company employee A at steps S 264 to S 265 .
- the discount information, advertisement information, coupon information, etc. registered in the vendor server 130 in connection with the terminal identification number in the above-described process are transmitted to the portable terminal at the request of the portable terminal 110 for information, or are used when the information is analyzed such that a minimum payment amount is obtained upon requesting payment.
- coupon information has been described as being stored in the vendor server and being used upon making payment in this embodiment, it will be apparent that it may be possible to provide a separate coupon server and configure the coupon server to issue and manage coupons.
- FIG. 8 is a flowchart illustrating the process of processing payment at a minimum payment amount according to the present invention. As illustrated in FIG. 8 , this process starts when the customer who possesses the portable terminal 110 expresses his or her intention to make payment using an electronic wallet to a shop assistant.
- the shop assistant selects the smart electronic wallet as a payment means while performing a payment process for the table at which corresponding customer A has had a meal at a counter at which the affiliated shop terminal 120 is placed at steps S 271 to S 272 , and then requests approval of transaction data by transmitting the transaction data including an affiliated shop code and a transaction amount to the vendor server 130 at step S 273 .
- the vendor server 130 that has received the request for approval generates and stores the TID of a corresponding transaction and then generates a QR code using the generated TID and the transaction data at step S 274 , and transmits the generated QR code and the TID to the affiliated shop terminal 120 at step S 275 .
- the QR code has been described as including the TID at step S 274 , it will be apparent that the TID may not be included in the QR code but may be separately transmitted and then read.
- the affiliated shop terminal 120 When the affiliated shop terminal 120 that has received the QR code including the TID at step S 275 outputs the TID and/or the QR code onto a bill, onto the monitor of the affiliated shop terminal or onto the screen of a sign pad or stores the TID and/or the QR code in an RF tag and then the output is brought to the customer at step S 276 , the customer executes the “mobile wallet app” of the portable terminal 110 first in order to read payment information from the bill or RF tag in which the QR code has been recorded, which is presented by the shop assistant, and then selects the “payment” box on the initial screen of the electronic wallet, thereby allowing the payment information to be read from the QR code or RF tag at step S 277 .
- the NFC portable terminal is operated such that the app is executed at the moment of touching the NFC tag with the portable terminal without executing the app and, simultaneously, the payment information is read.
- an RF reader or a QR code reader may be selected and then the information may be read.
- the customer executes the “mobile wallet app” to use it mostly in order to make payment, it is more preferred that when the “mobile wallet app” is executed, a screen that enables the information to be read from the QR code or RF tag is automatically activated.
- the information read from the QR code or RF tag may be an affiliated shop code, a TID, a transaction amount, etc.
- a connection with the vendor server 130 of Harex is automatically established and one or more pieces of information, such as the terminal identification number, the TID, the affiliated shop code, and/or the transaction amount (30,000 won), required for payment are transmitted to the vendor server 130 at step S 278 .
- the vendor server 130 can find the payment amount using the TID even when the payment amount is not transmitted from the portable terminal 110 to the vendor server 130 .
- the vendor server 130 searches for a TID generated and stored at step S 274 using the transmitted TID and generates and compares transaction data at step S 279 , and the vendor server 130 also generates optimum payment conditions based on the transaction data at step S 280 .
- the optimum payment conditions are payment conditions in which a minimum payment amount can be obtained using a variety of discount information, coupon information, card information, etc.
- the vendor server 130 generates optimum payment conditions in which a minimum payment amount can be obtained using the discount information, the membership point information and/or the coupon information based on a payment amount of 30,000 won.
- the optimum payment conditions including the minimum payment amount obtained through the analysis of the vendor server 130 are transmitted to the portable terminal 110 and are then displayed so that the customer can check them at steps S 281 and S 282 .
- the customer who has checked the displayed optimum payment conditions changes the details of payment when desiring to change the checked payment conditions at step S 283 , performs user identity authentication, such as one-touch or PIN authentication, when desiring to make payment based on finally determined payment conditions at step S 284 , and then requests payment from the vendor server 130 at step S 285 .
- user identity authentication such as one-touch or PIN authentication
- a payment amount is automatically calculated as 22,000 won and then displayed, and the changed payment conditions are transmitted to the vendor server 130 .
- the vendor server 130 of Harex receives the payment conditions at step S 286 , requests payment for point corresponding to 10,000 won from the affiliated shop terminal 120 acting as an Outback server, obtains approval, and modifies the data stored in connection with the terminal identification number by checking 1,000 won in the Outback coupon at step S 287 .
- the system for analyzing optimum payment conditions using the portable terminal 110 may be configured to include an affiliated shop terminal 120 configured to generate payment information including a payment amount; a portable terminal 110 configured to read the payment information from the affiliated shop terminal 120 , to transmit the payment information, and to store issued card information or coupon information therein; and a vendor server 130 configured to receive the discount information or membership point information of a corresponding affiliated shop from the affiliated shop terminal 120 , to store the information in connection with a corresponding affiliated shop code, and to make payment in conjunction with a card company.
- the vendor server 130 searches for discount information and membership point information stored in connection with the affiliated shop code of the corresponding affiliated shop terminal and transmits the found information to the portable terminal 110 , and the portable terminal 110 analyzes payment conditions using one or more of the discount information and the membership point information received from the vendor server 130 and the stored coupon information so that a minimum payment amount can be obtained, displays the payment conditions, and then transmits the determined payment conditions to the vendor server 130 , thereby allowing payment to be made.
- the vendor server 130 is configured to modify information that belongs to the discount information and the membership point information or the coupon information and has been used for payment in the portable terminal 110 based on the payment conditions transmitted from the portable terminal 110 , to store the modified information as bonus information again, to request approval of a corresponding minimum payment amount from the card company, and to transmit the results of the approval to the affiliated shop terminal 120 and, simultaneously, transmit the results of the approval and the modified bonus information to the portable terminal 110 .
- the portable terminal 110 is configured to change one or more payment conditions of the discount information, membership point information and coupon information of the optimum payment conditions in which the minimum payment amount is obtained, to store the changed optimum payment conditions therein, and to transmit the changed optimum payment conditions to the vendor server 130 , thereby allowing payment to be made.
- a shop assistant selects an electronic wallet as the payment means of the affiliated shop terminal 120 , performs payment processing, and transmits created transaction data to the vendor server 130 , thereby requesting approval of the transaction data.
- Payment conditions approved by the vendor server 130 are transmitted to the affiliated shop terminal 120 , payment information including a payment amount is generated, and the generated payment information is stored in the form of a QR code or in an RF tag so that the portable terminal 110 can read the payment information.
- the portable terminal 110 requests payment from the vendor server 130 by transmitting the payment information including the payment amount stored in the QR code or RF tag to the vendor server 130 , the vendor server 130 transmits the discount information and membership point information of the corresponding affiliated shop where the affiliated shop terminal 120 has been installed to the portable terminal 110 , and the portable terminal 110 generates payment conditions using one or more of the discount information and membership point information received from the vendor server 130 and stored coupon information so that a minimum payment amount can be obtained, and then transmits the generated payment conditions to the vendor server 130 , thereby allowing payment to be made.
- the portable terminal 110 touches the RF tag or reads the QR code, the portable terminal 110 is automatically connected to the vendor server 130 and thus up-to-date discount information and membership point information stored in the vendor server 130 is made to be transmitted, so that the discount information and membership point information may be used to analyze optimum payment conditions.
- a customer may make payment based on optimum conditions in accordance with each situation, and thus safer transactions can be performed thanks to the reliability of payment.
Abstract
Description
Minimum payment amount=payment amount*discount rate of card to be used−membership points−coupon (1)
Claims (28)
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AU2019240552A1 (en) | 2019-10-17 |
EP2747016A2 (en) | 2014-06-25 |
AU2017219173A1 (en) | 2017-09-21 |
WO2013012200A2 (en) | 2013-01-24 |
AU2021277684A1 (en) | 2021-12-23 |
KR101184865B1 (en) | 2012-09-20 |
CN103765452A (en) | 2014-04-30 |
EP2747016A4 (en) | 2015-08-05 |
CN103765452B (en) | 2018-07-31 |
WO2013012200A3 (en) | 2013-03-14 |
US20140297381A1 (en) | 2014-10-02 |
AU2012284760A1 (en) | 2014-03-13 |
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